Do I have to be a first-time buyer for IHDA Access Amortizing?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is Per county.

What credit score does IHDA Access Amortizing list?

The listed minimum credit score is 640.

IHDA Access Amortizing

IHDA Access Amortizing is a amortizing 2nd 10-yr from IHDA. Available statewide in Illinois. For first-time buyers. Income limit: Per county.

Amount varies by program

Listed as open as of May 2026

Available statewide in Illinois.

First-time buyer	Required
Income limit	Per county
Minimum credit score	640
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide IL
Property types	SFR
Occupancy	Owner-occupied primary
Eligible loan products	FHA/VA/USDA/Conv
Sales price cap	Per county
Repayment	Amortizing 10 yrs
Stacking	Pairs with IHDA first

Source IHDA·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: IHDA · program details at the provider’s site.

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